LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,107
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,670
−HK$573/mo
Today · 4.125%
HK$19,243
baseline
▲ 0.50% · 4.625%
HK$20,413
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,486/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,144
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,684
−HK$548/mo
Today · 4.125%
HK$21,232
baseline
▲ 0.50% · 4.625%
HK$22,351
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,464/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,729
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,404
−HK$687/mo
Today · 4.125%
HK$23,091
baseline
▲ 0.50% · 4.625%
HK$24,496
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,182/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,173
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,821
−HK$658/mo
Today · 4.125%
HK$25,479
baseline
▲ 0.50% · 4.625%
HK$26,822
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,958/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,350
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,138
−HK$802/mo
Today · 4.125%
HK$26,940
baseline
▲ 0.50% · 4.625%
HK$28,579
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,880/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,202
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,958
−HK$767/mo
Today · 4.125%
HK$29,725
baseline
▲ 0.50% · 4.625%
HK$31,292
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,450/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,593
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,607
−HK$1,030/mo
Today · 4.125%
HK$34,637
baseline
▲ 0.50% · 4.625%
HK$36,744
+HK$2,107/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,274/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,259
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,232
−HK$986/mo
Today · 4.125%
HK$38,218
baseline
▲ 0.50% · 4.625%
HK$40,233
+HK$2,015/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,436/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,225 · Scale 2, in force from 26 Feb 2026)